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2018年楼市调控三大看点:明年房贷或出现结构性优化
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Topic: 2018年楼市调控三大看点:明年房贷或出现结构性优化 (Read 100 times)
mayxi865
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2018年楼市调控三大看点:明年房贷或出现结构性优化
December 25, 2017, 03:00:48 PM
#1
今日视点:2018年楼市调控的三大看点
证券日报 阎岳
2018年的楼市调控会在哪些方面发力呢?从中央工作会议的精神来看,除了保持房地产市场调控政策的连续性和稳定性之外,分清中央和地方事权、实行差别化调控、精细化房贷政策将是明年楼市调控的重要看点。
12月18日至20日在北京举行的中央经济工作会议会议提出,2018年稳健的货币政策要保持中性,管住货币供给总闸门,保持货币信贷和社会融资规模合理增长;加快建立多主体供应、多渠道保障、租购并举的住房制度。完善促进房地产市场平稳健康发展的长效机制,保持房地产市场调控政策连续性和稳定性,分清中央和地方事权,实行差别化调控。
首先是分清中央和地方事权。概括来说,房地产调控中的中央事权就是要建立多主体供应、多渠道保障、租购并举的住房制度,以及完善促进房地产市场平稳健康发展的长效机制。明年楼市调控中央事权的一大发力方向就是住房租赁市场的建设。
至于明年楼市调控中的地方事权,则主要是指加大各地房地产市场秩序规范整顿力度,加强市场监测分析,提高精准调控的能力和水平,进一步强化地方政府主体责任。这一点已经在今年的楼市调控中表现的淋漓尽致。明年则会在这方面给予进一步优化,提升楼市调控综合政策的有效性和精准性。
其次是实行差别化调控。楼市的差别化调控不难理解,其实就是“因城施策,分类调控”的另一种表现形式。
今年各地依据自己的实际情况,升级丰富了“限”字令。通过“五限”采取(即限购、限贷、限涨、限售、限商)等措施,各地楼市在出现不同程度降温的同时也保持了市场运行的基本平稳。从今年5月份开始,上海、北京出现房价环比“零增长”,深圳房价环比下跌;到11月份,11个热点城市新房价格跌回一年前,热点城市的成交降温更是明显。楼市差别化调控的效果非常明显。在今年的调控基础上,明年楼市的差别化调控会进一步优化,具体措施会随着市场走向进行适度调整,以促进楼市平衡稳定发展。
第三是精细化房贷政策。房贷政策(主要是限贷)的调整则是2017年楼市调控的主要措施之一。可以预计,2018年的房贷政策并不会比今年放松多少,但有保有压的趋势会更加明显。12月23日,住建部部长王蒙徽在全国住房城乡建设工作会议上表示,明年将针对各类需求实行差别化调控政策,满足首套刚需、支持改善需求、遏制投机炒房。
今年3月份,央行加急下发《做好信贷政策工作的意见》,要求将住房信贷政策作为调控房地产一揽子政策组成部分,合理配搭使用最低首付比例、贷款利率优惠幅度和最长贷跨年限等,适度调整辖区内房贷政策。此外,央行各分支机构要加强对商业银行窗口指导,督促其优化信贷结构,合理控制房贷比和增速。
各地迅速落实政策要求,房贷开始收紧。数据显示,到今年11月份,在全国35个城市533家银行中,有56家银行分(支)行因额度等原因暂停受理首套房贷业务,较前月新增14家银行分(支)行。停贷银行数量占比达10.5%,较年初上升近9个百分点。北京、深圳、广州等一线城市银行房贷压力更大,深圳暂停放贷银行数量居首,上海较为稳定,额度紧张成为年底部分银行暂停放贷的主要原因。
预计,明年房贷会出现结构性的优化,比如首套刚需、改善需求的房贷将会受到支持,各种放贷指标会有所优化。同时,对于投机投资性住房的房贷需求会限制的更紧。
明年的房地产调控除了上述三个重要看点之外,楼市去库存、房地产税立法进程等也是社会广泛关注的焦点问题。
jiange
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Re: 2018年楼市调控三大看点:明年房贷或出现结构性优化
December 25, 2017, 04:54:46 PM
#2
明年会降降降吗,降到我可以买的价格就好了
xindeip
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Re: 2018年楼市调控三大看点:明年房贷或出现结构性优化
December 25, 2017, 08:11:11 PM
#3
楼市的差别化调控不难理解,其实就是“因城施策,分类调控”的另一种表现形式,哦,原来这个样子啊。
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2018年楼市调控三大看点:明年房贷或出现结构性优化
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